Effective Date: October 31, 2013
Interest Rates for GIC
Interest based annually.
Note: All posted rates are subject to change without prior notice.
Guaranteed Investment Certificate (GIC) (Minimum - $500)
|
1 Year |
1.75% |
|
2 Year |
2.10% |
|
3 Year |
2.25% |
|
4 Year |
2.50% |
|
5 Year |
2.50% |
|
|
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Interest Rates for RRIF & RRSP
Note: All posted rates are subject to change without prior notice.
Investment Certificate (Minimum - $500)
|
Variable Rate |
.75% |
|
6 Month |
1.00% |
|
1 Year |
1.75% |
|
15 Month |
2.00% |
|
2 Year |
2.10% |
|
3 Year |
2.25% |
|
4 Year |
2.50% |
|
5 Year |
2.50% |
.............................................................................................................................
Interest Rates for TFSA
Note: All posted rates are subject to change without prior notice.
Tax Free Savings Account Investment Certificate (Minimum - $500)
|
Variable Rate |
.75% |
|
6 Month |
1.00% |
|
1 Year |
1.75% |
|
15 Month |
2.00% |
|
2 Year |
2.10% |
|
3 Year |
2.25% |
|
4 Year |
2.50% |
|
5 Year |
2.50% |
.............................................................................................................................
Interest Rates for Deposits
Note: All posted rates are subject to change without prior notice.
Deposits
|
Daily Interest Personal Chequing Account |
.15% |
|
Daily Interest Savings |
.20% |
|
Special Savings |
.25% |
|
Grow With Us |
.25% |
.............................................................................................................................
Interest Rates for Bonus 50 Account
Note: All posted rates are subject to change without prior notice.
Bonus 50 Account
|
$0 - $4,999 |
.25% |
|
$5,000 - $14,999 |
.50% |
|
$15,000 - $24,999 |
.75% |
|
$25,000 - |
1.00% |
.............................................................................................................................
Interest Rates for Agri-Invest
Note: All posted rates are subject to change without prior notice.
Agri-Invest Account
|
$0 - $4,999 |
.25% |
|
$5,000 - $14,999 |
.50% |
|
$15,000 - $24,999 |
.75% |
|
$25,000 - |
1.00% |
.............................................................................................................................
Service Rates
Overdrafts
No overdrafts are allowed on accounts as this is in violation of the Credit Union and Caisses Popalaries Act, however subject to credit approval a line of credit loan can be arranged to cover cheques on your account to a predetermined credit limit. See our loans department for details.
Effective Date: January 2013
Note: All posted rates are subject to change without prior notice.
|
Advantage Chequing Account |
$11.95 |
|
Process a personal cheque/electronic debit |
$0.65 |
|
Process a business cheque/electronic debit |
$0.95 |
|
Process a deposit |
no charge |
|
Process a withdrawal |
no charge |
|
Process a cheque in US funds on your account |
$15.00 |
|
Transfer of funds between accounts as per customer request |
$6.00 |
|
Transfer of funds between accounts to cover an insufficient funds cheque |
$6.00 |
|
Cheque you write returned due to insufficient funds in your account |
$45.00 |
|
Cheque deposited is returned unpaid |
$4.00 |
|
Search of records |
$50.00/hr |
|
Account overdrawn (minimum monthly charge) |
$6.00 |
|
Request to place a stop payment on a cheque |
$12.00 |
|
Certification at your request of a cheque drawn on your account |
$7.00 |
|
Certificate of a third party request of a cheque drawn on your account |
$10.00 |
|
Holding a post dated cheque for other then a loan or mortgage payment |
no charge |
|
Processing non-encoded cheques |
$7.00 |
|
Payment of each utility bill |
$1.25 |
|
Internet and telephone banking - bill payment |
$0.60 |
|
Interim Statement |
$4.00 |
|
Dormant Accounts Charge for sending a notice after your account has become dormant and for maintaining account when no acknowledgment received from you |
1 Year $35.00
2 Year $50.00
3 Year $75.00 |
|
Search of records |
$40.00/hr. |
|
Direct deposit of GIC interest to your account |
no charge |
|
Mail deposits |
no charge |
|
Inter-branch Banking |
no charge |
|
Loan and mortgage payment debits |
no charge |
|
Auditor confirmation requests |
$25.00 |
|
Purchase of Travelers Cheques |
no charge |
|
Wire funds to another Credit Union in Ontario
Out of Province
Out of Country |
$20.00
$25.00
$50.00 |
|
Purchase of Money Orders Canadian
U.S. - Exchange rate plus |
$4.50
$5.25 |
|
Monthly statement on chequing account |
$5.00 |
|
Monthly statement on business account |
$7.00 |
|
Night Depository Bag rental annually |
$30.00 |
|
Issue a corporate cheque at your request |
$5.00 |
|
Safety Deposit Boxes small (per year)
medium (per year)
large (per year) |
$45.00
$60.00
$75.00 |
|
Point of sale transaction |
$0.60 |
|
Email Money Transfers sent (Received is no charge) |
$1.50 |
|
ABM withdrawal |
$1.25 |
|
Credit Union ABM withdrawal |
no charge |
|
Loan Fees Please check with our Loan Department |